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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $12,676 | $48,364-73.8% | $71,796-82.3% | $62,881-79.8% |
| Participation rate | 98.8% | 60.6%+38.2pp | 69.1%+29.7pp | 69.3%+29.5pp |
| Annual return | 6.40% | 13.16%-6.8pp | 78.04%-71.6pp | 20.14%-13.7pp |
| Employer contribution / active EE | $1,488 | $1,042+42.8% | $1,924-22.7% | $2,281-34.8% |
| Participant deferral / active EE | $1,244 | $2,091-40.5% | $2,794-55.5% | $3,203-61.2% |
| Admin fee / account holder | $4,387 | $3,771+16.3% | $4,815-8.9% | $4,296+2.1% |